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Mobile homes have been growing in popularity over the years as an affordable housing option.

Mobile Home Insurance

Mobile homes have been growing in popularity over the years as affordable housing options. The Census Bureau reports that shipments of new mobile or manufactured homes are up in the last five years by 34%, with the average sales price at $81,600.

If you plan on insuring your investment — and the belongings inside — you’ll need special homeowners coverage for mobile homes, often known as an HO-7 policy. The typical mobile home insurance rate varies between $300 and $1,000 per year depending on where you’re located.

KEY TAKEAWAYS
  • Mobile home insurance offers financial protection for your mobile/manufactured home (dwelling), personal property and personal liability.
  • Assurance and Foremost are two top-rated mobile home insurance companies.
  • Manufactured or mobile homes are the same except the term mobile home got replaced with the label of a manufactured home after 1976.
  • Claims history, location and coverage limits are some of the factors that influence the mobile home insurance rate.

Top-rated mobile home insurance companies

Best mobile home insurance companies

There are several mobile home insurance companies dedicated to bringing you coverage for your unique housing choice. We looked at over a dozen insurance carriers to narrow the list of top-rated mobile home insurance companies down to a handful.

Our research found that Assurance and Foremost are the best because they specialize in manufactured home insurance. However, Allstate, American Modern and State Farm are also solid options, especially if you’d like to bundle car insurance with your mobile home coverage.

Allstate

  • JD Powers claims satisfaction rating: 882/1,000
  • NAIC complaint index: 1.47 (above average complaints)
  • A.M. Best financial strength rating: A+

Allstate offers many specialized coverages for your mobile home such as personal property endorsements for higher-value items, green improvements reimbursement and sports equipment. If you already have other Allstate policies, you'll receive a multi-policy discount, as well as original owner, retired individual or security system discounts.

Pros:

  • Best for environmentally-conscious mobile homeowners
  • Robust mobile app
  • Available nationwide
  • More discounts to choose from than the average insurance company

Cons:

  • According to the National Association of Insurance Commissioners, Allstate has a higher than average rate of policyholder complaints (1.47).

American Modern (AMIG)

  • JD Powers claims satisfaction rating: NR
  • NAIC complaint index: No complaints
  • A.M. Best financial strength rating: NR

Florida has the second-highest number of mobile or manufactured homes behind Texas, with over 800,000 homes. American Modern insures mobile homes of any age located in the Sunshine State. A standard policy covers damage from burst pipes, fire, hail, wind and more. If you plan on renting your mobile home, AMIG also provides rental coverage.

Pros:

  • No depreciation deductions
  • Seasonal or vacant coverage is available
  • Payment options include monthly, quarterly or in-full

Cons:

  • No mobile app is available
  • Coverage only available in Florida

Assurant mobile home insurance

  • JD Powers claims satisfaction rating: NR
  • NAIC complaint index: NR
  • A.M. Best financial strength rating: A+

Assurant has partnered with GEICO, Liberty Mutual and Progressive to provide manufactured home insurance to policyholders. Assurant offers online manufactured home quotes so you can buy mobile home insurance online.

Assurant aims to keep manufactured home insurance simple -- you'll get coverage for perils other mobile home insurance companies may not offer, such as earthquakes or floods. These coverages are usually optional with the few companies that provide them, but with Assurant, they're included in a standard mobile home policy.

Pros:

  • Coverage-rich standard policies include several add-ons for free
  • Providing insurance since 1892
  • Extended warranty plans are available

Cons:

  • The online and mobile app experience could use improvement

Foremost mobile home insurance

  • JD Powers claims satisfaction rating: NR
  • NAIC complaint index: 2.69 (High)
  • A.M. Best financial strength rating: A

Foremost claims it's the first insurance company to insure mobile homes. The company provides manufactured home insurance to AARP's huge network of 37 million members. A couple of unique offerings from Foremost include replacement cost and hobby farm or ranch liability coverage.

The replacement cost coverage endorsement may get you an extra 20% on your property damage settlement because Foremost won't deduct depreciation on your damaged property. You'll be able to replace the items with new ones of "comparable material and quality" without having to settle for less than you had before.

Pros:

  • A pioneer in mobile home insurance
  • Large number of add-ons including coverage for trees, shrubs, plants, and lawns
  • Over 38,000 agents nationwide

Cons:

  • Loss of use, normally included in an HO-7, is an add-on
  • Coverage not available in Hawaii

State Farm

  • JD Powers claims satisfaction rating: 880/1,000
  • NAIC complaint index: 1.52 (above average)
  • A.M. Best financial strength rating: A++

State Farm has a variety of endorsements and coverages so you can customize your policy. The most unique may be earthquake and volcanic explosion coverage. You can save on your policy by taking advantage of manufactured home model year discounts or bundling your manufactured home insurance with State Farm auto, home, motorhome and off-road vehicle insurance.

Pros:

  • Several optional coverages available for customization
  • Available nationwide
  • Excellent financial strength of A++ from A.M. Best
  • Bundle several types of insurance to save more

Cons:

  • Limited discounts available

Other mobile home insurance companies

Besides our five picks for the top-rated mobile home insurance companies, there are other carriers that provide manufactured home insurance. You should get more than one mobile or manufactured home insurance quote when you're in the market for coverage. The more quotes you get, the more likely you'll find the best price. Here are other companies worth checking out:

American Family

  • JD Powers claims satisfaction rating: 890/1,000
  • NAIC complaint index: 1.83 (above average)
  • A.M. Best financial strength rating: A

The American Family Insurance only underwrites manufactured homes in 19 states but provides unique endorsements such as Matching Siding. The coverage costs as little as $25 per year but will reimburse you for up to $20,000 to replace all siding, instead of a small area, so it all matches.

Farmers

Farmers structure its mobile home policies to give you options on how you'll get paid in case of property losses or damages. With an agreed-value loss settlement, you'll receive the full amount of insurance as a lump sum to rebuild or order a new home faster. Add optional replacement cost coverage, and you'll get the cost of replacing items with new ones, instead of receiving the item's depreciated value.

  • JD Powers claims satisfaction rating: 884/1,000
  • NAIC complaint index: 3.36 (high)
  • A.M. Best financial strength rating: B++

Geico mobile home insurance

  • JD Powers claims satisfaction rating: NR
  • NAIC complaint index: 1.70 (above average)
  • A.M. Best financial strength rating: A++

If you're accustomed to handling your insurance needs online, Geico may be a good option for you. You'll have access to all the standard offerings most manufactured home insurers provide. You can get quotes, pay bills, file claims and buy mobile home insurance quotes online through Geico's website or mobile app.

MetLife

  • JD Powers claims satisfaction rating: 904/1,000
  • NAIC complaint index: 1.00 (average)
  • A.M. Best financial strength rating: A+

MetLife is best for customers who don't find the lack of online access to manage their policy a deal-breaker. You'll need to call MetLife for quotes, filing claims, or if you have questions. The insurer's guaranteed replacement cost coverage ensures you won't get shorted on the cost of purchasing new versions of the property or items damaged.

Progressive mobile home insurance

  • JD Powers claims satisfaction rating: 879/1,000
  • NAIC complaint index: 1.75 (above average)
  • A.M. Best financial strength rating: A+

Progressive is best known for home and auto insurance but also provides manufactured home insurance. The policies may not be as extensive or customizable as other manufactured home policy specialists, but if you need standard coverage to bundle with other types of insurance, you could save some money.

USAA

  • JD Powers claims satisfaction rating: 905/1,000
  • NAIC complaint index: 1.90 (above average)
  • A.M. Best financial strength rating: A++

Members of the military and their families can find affordable manufactured home insurance through USAA. USAA isn't the direct insurer -- like many insurance providers, USAA works with third-party insurance companies to underwrite policies for their members.

How much is mobile home insurance?

Trusted Choice, an online platform of independent insurance agents, estimates that mobile home policies vary between $300 and $1,000 per year. However, the cost of manufactured home insurance can vary widely by ZIP code. Florida may be the most expensive state due to its extreme weather. The average mobile home insurance rate in Florida ranges between $860 and $2,400, depending on the county, with most counties averaging $1,000. 

What factors affect the cost of mobile or manufactured home insurance?

Several factors may affect your manufactured/mobile home insurance rate. Some are out of your control while others can be adjusted. They include:

  • Age and condition of your home
  • Your location -- some areas are more prone to theft, fires, flooding or wind damage than other areas
  • Your coverage limits
  • The amount of your deductible -- higher deductibles may mean a higher upfront cost in case of a loss but are likely to reduce your premium
  • Whether you qualify for discounts such as multiple policies, military service or having a home security system
  • Your claims history

FAQS

What is mobile home insurance?

Just like home insurance, mobile home insurance is financial protection for your dwelling, or mobile home, and for your personal items. It provides coverage for your home, its contents and for other outside structures on land you own. It also pays for the medical expenses of injured visitors and legal fees, should you be sued by an injured guest.

What is the difference between a manufactured home and a mobile home?

Knowing the difference between mobile homes, manufactured homes and modular homes can get confusing. Let's break it down. Will a manufactured home insurance policy apply to a mobile home? The answer is yes. A mobile home is the same thing as a manufactured home. The term "mobile home" was used before 1976 and was replaced that year with "manufactured home" by the Department of Housing and Urban Development (HUD).

Will mobile home insurance cover a modular home? The answer is no. A modular home is permanently affixed to a foundation, looks more like a traditionally-built home and must comply with local building codes. You'll need a standard home insurance policy to cover a modular home.

What does mobile home insurance cover?

There are three basic manufactured home insurance coverage options:

Dwelling: Covers the physical structure, such as the roof, attached deck, or walls. If your manufactured home's structure is damaged by a covered peril such as wind or (in most policies) fire, dwelling coverage will pay for the repair or replacement.

Personal property: Covers your personal belongings if they're stolen or damaged. A couple of examples could be losing your electronics because of a burglary. Or your belongings being damaged from a roof leak. You may be reimbursed for the cost of the item minus its depreciated value if it's older, unless you added replacement value to your policy to receive the cost of a similar new version.

Liability protection: Covers injuries that happen on your property. If a neighbor comes for a visit and slips and falls on your deck, liability coverage will pay for your legal defense and any damages, including medical bills for injured individuals.

Are there manufactured home insurance endorsements?

There are other optional endorsements you can add to an HO-7 mobile home insurance policy to increase your home's protection level. Some of the most common are:

Other structures: If you have a non-attached garage or tool shed on your property, you can add protection for the structures.

Additional living expenses: If your manufactured home is uninhabitable, the coverage pays for your living expenses at a hotel or rental while your home is replaced or repaired.

Earthquake, volcano or flood insurance coverage: If you live in high-risk zones, you can add an endorsement to cover damages from perils not typically included in a standard policy.

Water backup: Covers water damage caused by a broken sump pump or backed-up drain.

Scheduled personal property: Provides additional coverage for expensive items such as appraised jewelry, collectibles or antiques.

How much mobile home insurance do I need?

To decide on how much insurance your need, take the following into account:

  • The replacement cost of your manufactured home if you had to buy a new one
  • The cost of the improvements you've made, such as granite countertops, upgraded kitchen cabinets, or stainless-steel kitchen appliances
  • The value of your home's furniture and electronics, such as televisions and computers

Keep in mind that standard manufactured home policies will pay you the depreciated cost of the items. This means that if your four-year-old Macbook was damaged, for example, you won't get $1,300 (the price of a new one). The insurer will give you an amount adjusted for the laptop's age and value to buy a comparable four-year-old Macbook model.

If you'd like to avoid the hassle of having to find second-hand versions of everything you've lost, consider upgrading to a replacement-cost endorsement on your mobile home insurance policy that will reimburse you for the price of new and similar items.

How can I buy mobile home insurance?

Before you settle on one mobile home insurance policy, get quotes from several mobile home insurance companies to find the best price. Here's how to buy mobile home insurance:

  • Determine the cost of replacing your manufactured home.
  • Make a list of all your valuables and approximate costs.
  • Call or get online mobile or manufactured home insurance quotes from several companies using the figures you calculated.
  • Review the quotes carefully to know what coverages your mobile home insurance policy comes with.
  • Determine if you need additional coverages for high-value items or non-attached structures on the property.
  • Decide on a deductible (the amount you'd have to pay out of pocket before the insurance company pay for the damages). The higher your deductible, the lower the cost of your policy.
  • Take advantage of any discounts such as multiple policies, autopay or having an installed home security system.
  • Once you're insured, document your property and belongings by making a video and/or taking photos. Write down serial numbers, save copies of receipts and save them in a safe place. In case of property damage or theft, the information will help you settle your claim faster.

If your mobile home was manufactured before 1976 you should buy older mobile home insurance.

Can I buy mobile home insurance online?

Not all mobile or manufactured home insurance companies provide online services but that’s hopefully changing as insurance providers adapt to college students and younger, tech-oriented homeowners. If you’re shopping around for coverage and want a better idea of the average mobile home insurance rate, getting online quotes can save you time. Five insurers allow you to get mobile home insurance quotes and buy a policy online. They are:

  • Assurant 
  • Foremost
  • Geico
  • Progressive
  • USAA

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